US Office

of

Housing and Urban Development

South Carolina District
Swansea, SC 29000

James Loxley
4459 Regular Road
Little City, SC 29000

May 16, 2016

Dear Mr. Loxley:

We make every effort, within our authority, to effect repairs of structural deficiencies in
properties constructed with FHA inspections, if reported to this office within the first year of
occupancy and determined to be the builder=s responsibility. The Federal Housing
Administration is not a party to the purchase or construction contract and has no authority to
compel a builder to make corrections. Although we require a builder to give the purchaser a
warrant, we cannot enforce that instrument. The rights created therein are enforceable only by
the owner.
In instances where the builder ignores our requests or simply refuses to make corrections which
have been determined by our inspection staff to be his responsibility, we place him on our
restricted list. This prohibits his transacting business with FHA during the period of his
restriction. Such action is taken as a last resort and often stimulates the builder into corrective
action.
This explanation is given you in order for you to understand that our recourse in obtaining
repairs from a builder is largely persuasion; and, often this seems to take an undue amount of
time.
I am writing your builder once more requesting a response within ten days before we invoke
restriction. You will be notified if the latter action is necessary.
Thank you for your patience with our efforts to assist you with your problem.
Sincerely,

Homer Nicely